Caldas Adolfo, Arteaga Fernando, Muñoz Maribel, Zeladita Jhon, Albujar Mayler, Bayona Jaime, Shin Sonya
Division of Global Health Equity, Brigham and Women's Hospital, Boston, MA 02115, USA.
J Health Care Poor Underserved. 2010 Aug;21(3):986-1005. doi: 10.1353/hpu.0.0326.
Microfinance among people living with HIV/AIDS (PLWHA) faces some opposition and remains understudied. This literature review examines microfinance's evolution and impact on a variety of social and health indicators and its emerging implementation as a primary prevention tool for HIV and economic intervention for PLWHA. There is an abundance of literature supporting the apparent utility of microfinance. However, our understanding of the subject remains clouded by the heterogeneity and methodological limitations of existing impact studies, and access limitations to microfinance curbs our understanding of microfinance for this population. Existing literature suggests PLWHA could attain economic stability from microfinance and achieve successful repayment rates in some settings. The precarious socioeconomic and health issues of PLWHA pose unique challenges to minimizing loan default risk. Carefully-designed clinical studies are needed to assess whether PLWHA can be as successful with microfinance as healthy individuals.
向艾滋病毒/艾滋病感染者提供小额融资面临一些阻力，且仍未得到充分研究。这篇文献综述考察了小额融资的发展历程及其对各种社会和健康指标的影响，以及它作为艾滋病毒初级预防工具和针对艾滋病毒/艾滋病感染者的经济干预手段的新兴应用情况。有大量文献支持小额融资的明显效用。然而，现有影响研究的异质性和方法局限性使我们对该主题的理解仍不明晰，而且小额融资的获取限制也阻碍了我们对针对这一人群的小额融资的理解。现有文献表明，艾滋病毒/艾滋病感染者可以通过小额融资实现经济稳定，并在某些情况下实现成功还款率。艾滋病毒/艾滋病感染者不稳定的社会经济和健康问题给将贷款违约风险降至最低带来了独特挑战。需要精心设计临床研究来评估艾滋病毒/艾滋病感染者在小额融资方面是否能像健康个体一样成功。
